. >> there's one federal policy change that said a second term obama administration might push which would be helpful. is there one that comes to my? >> personally, i would like to see, jim alluded to this in a way i hadn't heard before, you know, i'd like to see the conversation around gainful employment extend beyond the career and for-profit colleges to the entire sector. and making it shining a light on more of the outcomes there. and the second part of it is, give me the biggest challenge with the gainful employment regulations as they stand now, we have suggested our own counter mechanism, but not to go into that right now. i think the biggest problem with it is it's an all or nothing access to cash message. so you either clear of our and then have access to the federal loan dollars and so forth, from title iv, which allows you to grow, or you don't clear the bar and you gives you out completely. the challenge with that is the government has competing interests right now. on the one hand, you do want to extend access to lots of populations that haven't had a struggle access to higher